Nu Holdings Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	2,529	1,972	1,031	-364.58	-164.99	-171.49
Depreciation & Amortization	74.87	77.13	62.9	35.58	17.34	7.43
Gain (Loss) on Sale of Investments	44.41	47.92	15.91	18.64	-19.94	48.43
Provision for Credit Losses	4,204	3,469	2,484	1,441	503.68	187.79
Change in Trading Asset Securities	-1,017	-	-	-	-4,667	-2,009
Change in Other Net Operating Assets	-21,157	-13,306	-12,396	-8,140	-3,060	-243.89
Other Operating Activities	8,598	3,952	2,166	1,223	302.25	244.68
Operating Cash Flow	-6,410	-3,512	-6,399	-5,523	-6,931	-1,897
Capital Expenditures	-12.37	-5.42	-20.24	-20	-6.03	-3.08
Cash Acquisitions	-	-5.64	-	-10.35	-114.49	-8.28
Investment in Securities	-99.37	-99.37	-	-2.5	-11.21	-
Purchase / Sale of Intangibles	-361.41	-169.57	-156.76	-94.31	-22.47	-4.9
Other Investing Activities	-50.64	-50.64	-	-	-	-
Investing Cash Flow	-526.08	-330.63	-177	-127.15	-154.2	-16.27
Long-Term Debt Issued	-	1,310	469.5	581.14	116.35	17.97
Long-Term Debt Repaid	-	-587.7	-53.43	-175.62	-131.31	-84.63
Net Debt Issued (Repaid)	1,324	722.2	416.07	405.52	-14.96	-66.66
Issuance of Common Stock	3.92	5.55	9.15	252.5	3,403	306.78
Repurchase of Common Stock	-	-	-	-	-	-0.02
Net Increase (Decrease) in Deposit Accounts	10,450	5,911	7,665	6,278	4,002	2,871
Other Financing Activities	-	-	-	-3.99	-47.55	-
Financing Cash Flow	11,778	6,638	8,090	6,932	7,342	3,111
Foreign Exchange Rate Adjustments	408.7	466.14	236.72	184.18	104.43	-101.14
Net Cash Flow	5,250	3,262	1,751	1,467	361.9	1,097
Free Cash Flow	-6,423	-3,517	-6,419	-5,543	-6,937	-1,900
Free Cash Flow Margin	-100.97%	-63.79%	-173.16%	-301.32%	-816.06%	-418.71%
Free Cash Flow Per Share	-1.31	-0.72	-1.32	-1.19	-4.33	-1.44
Cash Interest Paid	82.88	88.08	82.9	30.94	9.06	6.2
Cash Income Tax Paid	1,597	1,263	612.45	297.09	52.31	7.88

Source: S&P Global Market Intelligence. Banks template. Financial Sources.